In the media - Words on Wealth

Links to articles Lauren Zangardi Haynes, CIMA^(R), CFP ^(R) has been quoted in from national news sites and local media outlets in Richmond, VA. Lauren is the owner of Spark Financial Advisors, a Fee-Only, fiduciary financial planning and investment advisory firm in Richmond and Williamsburg, VA. Lauren also serves clients virtually.

How to Rethink Your Budget With Just One Income

With pandemic-related job losses still high, some couples are having to adjust to living on one income. We speak to financial planners about the steps households could take to make their finances work in this new reality.

WSJ

Tapping the Power of a Health Savings Account | Kiplinger

Health savings accounts help defray the cost of high-deductible health plans. They’re also a powerful way to invest for retirement.

Kiplinger

Why are so many baby boomers ignoring financial planning?

There’s no time like the present to step up

MarketWatch

How female investors can detect biased financial advice

Research shows that gender bias in financial advice is prevalent.

MarketWatch

Banking Information - Personal and Business Banking Tips | Bankrate.com

Use Bankrate.com's free tools, expert analysis, and award-winning content to make smarter financial decisions. Explore personal finance topics including credit cards, investments, identity protection, autos, retirement, credit reports, and so much more.

Bankrate

529 Day: What to Consider When Choosing Education-Saving Plans

States and investment firms are using May 29 as a way to try to draw even more attention to college-savings accounts earmarked for education.

WSJ

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fairygodboss.com

Split Direct Deposit: A Simple Way To Save More Money | Bankrate.com

Splitting part of your direct deposit from your paycheck into a high-yield savings account or an investment account is all it takes to put your savings on autopilot.

Bankrate

7 Financial Resolutions for a New Year - Richmond Family Magazine

Do you feel ready to make some changes in your financial life, but don’t know how or where to start? You’re in luck! This month, I have seven easy ways…

Richmond Family Magazine

Put Unexpected Money to Work - Richmond Family Magazine

You’ve recently graduated from college, and perhaps you received a gift or a signing bonus. You are ready to start your adult life off on strong footing, but you aren’t…

Richmond Family Magazine

Financing Higher Education - Richmond Family Magazine

Picture the home of a Richmond-area family. In it, a couple decides they want to start saving for their child’s college costs. They search online, “What’s the best way to…

Richmond Family Magazine

Funds Made Simple - Richmond Family Magazine

Does your investment strategy primarily consist of listening to that guy at your kid’s game who brags loudly about his genius stock picks? Let’s face it – there is something…

Richmond Family Magazine

Raising Charitable Children - Richmond Family Magazine

Have you ever asked your kids what charity or cause they would like to support, or shared with them what nonprofits you choose to support? As we move through the…

Richmond Family Magazine

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Navigating the future of work and helping you find success on your terms.

Girlboss

A $2,500 Tax Credit for Students Has a Few Pitfalls (Published 2017)

Planning early in the school year may help families avoid complications at tax time, financial planners and student aid experts say.

www.nytimes.com

Pay Down Those Credit Cards, Before Rates Rise Further (Published 2018)

With the holidays behind us, now is the moment to wipe out balances — before interest rates continue their climb.

www.nytimes.com

Personal debt: Why now is a critical time to pay off credit cards

Americans' debt levels have been growing and interest rates are rising — a combination that could put consumers in a bind if they carry a balance on their cards.

USA TODAY

The Markets Made Simple - Richmond Family Magazine

We want our kids to be financially literate, but it can be hard when adults can’t quite find the right words to explain some financial topics. Let’s face it, the…

Richmond Family Magazine

What Is a Health Savings Account? - Richmond Family Magazine

More and more employers are offering health savings accounts (HSAs) as part of their employee benefits package. This savings account allows you to set aside money to pay for qualified…

Richmond Family Magazine

How do you pay off all that credit-card debt?

A better jobs picture gave consumers confidence to borrow. Credit-card debt hit a record $1.02 trillion. What do you do so you don't get crushed?

USA TODAY

Just a moment...

fairygodboss.com

How a financial pro turned a money crisis into a valuable lesson

Limit debt and keep cash to cushion an economic downturn, financial planner advocates.

MarketWatch

Is My Advisor a Fiduciary? - Richmond Family Magazine

Listen, there is an “F” word you really need to know. In fact, you might have heard this “F” word in the news before, and thought, That sounds like something…

Richmond Family Magazine

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www.learnvest.com

What is Gift-Appreciated Stock? - Richmond Family Magazine

This time of year, many of us turn our thoughts to giving. In fact, according to money.com, TIME’s financial website, December is the top month for financial giving. With all…

Richmond Family Magazine

Write The Right Way: Advisors Double As Authors | Stock News & Stock Market Analysis - IBD

Eager to express their investment philosophy or dish out financial advice, advisors write articles, blogs and other informative content.

Investor's Business Daily

Winter is Coming - Richmond Family Magazine

The average American family owes $8,377 in credit card debt according to a May 2017 article from CNBC’s MarketWatch. While a third of borrowers pay off their credit card bills…

Richmond Family Magazine

13 Real-Life Roommates On How They Split The Toilet Paper Costs & More

Having a roommate can be fun, but can also have its not-so-fun moments. And when money is involved — like who pays for what — things can get complicated, and fast. Because, like it or not, even if you think you and your roommates will have no…

Bustle

If a Budget Freaks You Out - Richmond Family Magazine

Few words strike fear in the hearts of my clients like the question, “Do you have a budget?” The irony of this is that the stress induced by poorly managed…

Richmond Family Magazine

Pros and Cons in Paying a Child's Student Loans

money.usnews.com

Simple Rule for Calculating Where You Stand on College Savings (Published 2017)

Multiplying your child’s age by $2,000 will give you an idea of how much you should have saved by that point, though there are other factors to consider.

www.nytimes.com

19 Millennial Women On What They Spend The Most Money On Each Month

Money is a feminist issue — and yet, women are still reluctant to talk about it. According to a recent Bustle survey of more than 1,000 Millennial women, more than 50 percent of people said they never discuss personal finances with friends, even…

Bustle

18 Millennial Women Discuss What It Was Like Being Cut Off From Their Parents

Bustle

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Student Loan Hero

That Whole Money Thing! - Richmond Family Magazine

Is preschool too young to start talking to your children about money? It depends. Most 3-year-olds should be ready to start learning simple vocabulary and basic economic lessons, like If…

Richmond Family Magazine

8 Ways To Keep A Leash On Holiday Spending

More than three-quarters of Americans believe they have overspent during the holidays in the past, according to a recent survey from TD Bank. Here's how to keep from being one of them.

Forbes